Just enrolled this morning. 56% for the "enhanced, healthy living" medical plan. It would be 233% if I didn't qualify for healty living.

No change to optical or dental...

Please define your numbers. The question you posed is "how much did it INCREASE" not "how much did it CHANGE". Therefore, I assume your "enhanced healthy living" plan is 1.56x your current? Or is it a change such that it is 0.56x your current?

Insurance up $300 (+66%) for the year, deductible up $400 (+12%), max out of pocket up $500 (+10%). Dental up over $100 (+25%) for the year, No vision coverage.

They pushed us out of low deductible PPOs and HMOs to the Medical Spending Accounts with major medical coverage a few years ago. There are two plans: You can choose to pay less premium, less deductible but higher max out of pocket; or higher premium and deductible, but less max out of pocket. I'm in plan A figuring that on average I won't hit max out of pocket and can hopefully put more in my 401k style medical spending account for the years we have bigger bills.

They wouldn't say what portion of the increase is the year to year we've been getting hit with, and what portion was due to Obamacare. I do know that in the mid-90s I was paying $20/month for the full bells and whistles HAP plan. It's rapidly gone up from there. When my 2nd kid was born 6 years ago I was paying about the same monthly for the full bell and whistle PPO plan as I pay today just for shitty coverage. I'm jamming the max amount into the medical account trying to tax shelter the health care costs. So that takes the monthly way up there.

It's just another aspect of my life that I'm forking out more than yesterday for less than yesterday. It's awesome being middle class, middle age, white male.

It's just another aspect of my life that I'm forking out more than yesterday for less than yesterday. It's awesome being middle class, middle age, white male.

That's the trufth right there! I gotta talk to the boss today, but it looks like I may lose my insurance all together. They use to pay 100% of the insurance and I paid an extra 35 a month for dental. my deduct was 1500 but they would match whatever I put into my health flex account. Latley with my new house, ive been so tapped that I haven't had the extra on my checks to throw into the flex account so ive had to spend out of pocket for the few doctor visits Ive had this year, but point being I don't think any business can really afford this hike.

The amount I have to pay went up $1.16 a week. No significant changes to coverage. I do not know how much of the actual increase my employer may have adsorbed. My employer is also claiming grandfathers status for our health plan so that may have also prevented some increases.

When I am forced to sign up for the new policy my monthly costs went down about $45.00 but my deductible went from $250.00 to $5100.00.
Brewmenn, the grandfather thing you speak of will only last until any changes are made to your plan. Then your plan will not meet the requirements according to the ACA. That is when your plan will see an increase.

Average employee (family) health care is going from $611 to $928, and we are dropping health care across the board and paying the employees the cost of insurance last year, they can find their own.
This is BC/BC with great options.

Average employee (family) health care is going from $611 to $928, and we are dropping health care across the board and paying the employees the cost of insurance last year, they can find their own.This is BC/BC with great options.

When I am forced to sign up for the new policy my monthly costs went down about $45.00 but my deductible went from $250.00 to $5100.00.
Brewmenn, the grandfather thing you speak of will only last until any changes are made to your plan. Then your plan will not meet the requirements according to the ACA. That is when your plan will see an increase.

obama

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Average employee (family) health care is going from $611 to $928, and we are dropping health care across the board and paying the employees the cost of insurance last year, they can find their own.
This is BC/BC with great options.

I have heard a lot of companies are doing this. Is there anyway to get around the taxed v pre-tax dollars?

The big drawback is the money companies are giving people is taxed where insurance through your company is using pre-tax dollars.

So if you are currently receiving insurance through your company and it costs you $600 per month, if a company switches to paying you instead of providing insurance, that $600 insurance will cost you an extra $150 a month to buy. (Assuming the premium price is the same as it was, and a 25% tax bracket)

I have heard a lot of companies are doing this. Is there anyway to get around the taxed v pre-tax dollars?

The big drawback is the money companies are giving people is taxed where insurance through your company is using pre-tax dollars.

So if you are currently receiving insurance through your company and it costs you $600 per month, if a company switches to paying you instead of providing insurance, that $600 insurance will cost you an extra $150 a month to buy. (Assuming the premium price is the same as it was, and a 25% tax bracket)

Is there any way to set it up to buy insurance with pre-tax dollars?

Correct me if im wrong on this, but I believe the only way to do that is for your employer to cut a separate check or deposit it into a HSA account? From there anything spent on medical expenses is tax free.

Correct me if im wrong on this, but I believe the only way to do that is for your employer to cut a separate check or deposit it into a HSA account? From there anything spent on medical expenses is tax free.

I am not familiar with how HSA's operate but I would like to know how to handle the situation I had mentioned. My employer is kicking around the idea of just giving employees a certain amount of money. At some point I assume a lot of employers are going to just give people a set amount of money.

here is wikipedia on an HSA. It also goes on to mention the yearly limit for family is $6500, which isn't enough for many family plans.

"A health savings account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan"